Mentone, Alabama. Mentone: DeSoto Falls, Mentone AL. User comment: It's a great picture, but it's a picture of Littlew River Falls, not DeSoto Falls. Mentone: Photo of the 1884 Mentone Springs Hotel by Patty Tucker. The hotel operates as a Bed & Breakfast, has a full service restaurant and is the perfect place for weddings and receptions.
direct damage coverage. Property insurance that pays the value of property that has been damaged by a covered cause of loss or the cost of its repair or replacement. This is in contrast to time element property insurance, which pays for loss of income or increase in expenses that result from the unavailability of the damaged property while it is being repaired or replaced.
For the purposes of insurance, water damage is defined differently from flood damage, according to the Insurance Information Network of California (IINC). Water damage is defined specifically as damage caused by water that affects your house before it touches the ground. Types Most homeowner's insurance policies are classified as HO-2, which covers 16 types of damage, or HO-3, which covers any damage not specifically exempt, such as floods. Both policy types cover accidental water or steam discharges or overflow from your plumbing, air-conditioning, heating or automatic fire-sprinkler systems, or from appliances.